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Community Bank of Missouri

Richmond, MO · Cert 57141 · Missouri Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, banks under $1B in assets in the Kansas City, MO-KS area3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Banks under $1B in assets in the Kansas City, MO-KS area (n=39 to 40). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

76

Q2 2024Q2 2026peer median (50)

Asset Quality

31

Q2 2024Q2 2026peer median (50)

Profitability

63

Q2 2024Q2 2026peer median (50)

Liquidity

94

Q2 2024Q2 2026peer median

Efficiency

57

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Community Bank of Missouri

Richmond, MO · Cert 57141 · Missouri Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$94.1MAssets
$65.5MLoans
$80.6MDeposits
$13.0MEquity
Loan mix
91%RE $52.5M6%C&I $3.3M3%Consumer $2.0MQ2 2025Q2 2026
Deposit mix
73%Interest-bearing $59.0M27%Noninterest $21.6MQ2 2025Q2 2026

NIM

6.09%Q2 ’245.87%Q2 ’256.23%Q2 ’26-9%+6%

Non-interest income vs. expense

3.43%Q2 ’243.24%Q2 ’253.25%Q2 ’26-8%+3%

Market Position · Kansas City, MO-KS · 2026 SOD (annual) · 0.1% share · #82 of 114 inst. · $0.1B of $99.1B

18.3% Ray
0.3% Clay

Executive Summary

  • Earnings: ROA of 1.83%, up 14 bps year over year; NIM at 5.19%.
  • Asset quality: problem loans at 1.98% of loans (+61 bps YoY), with net charge-offs at 0.01%.
  • Capital: tier 1 leverage ratio of 13.86%, up 54 bps from a year ago.
  • Funding: loans stand at 81.28% of deposits as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.83%+14 bps YoY

Net Interest Margin (YTD, annualized)

5.19%+31 bps YoY

Efficiency Ratio (YTD, annualized)

56.93%-230 bps YoY

Tier 1 Leverage Ratio

13.86%+54 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.69%1.73%1.49%1.78%1.83%+14 bps
Return on Equity12.58%12.75%10.94%13.22%13.46%+89 bps
Net Interest Margin4.88%5.09%5.10%5.12%5.19%+31 bps
Efficiency Ratio59.23%59.55%66.08%59.08%56.93%-230 bps
Non-Interest Burden2.65%2.80%3.18%2.79%2.74%+8 bps
Growth
Asset Growth (YoY)13.26%6.64%9.75%6.54%4.26%-900 bps
Loan Growth (YoY)13.56%6.81%14.09%18.97%16.76%+320 bps
Deposit Growth (YoY)14.28%6.54%10.22%6.45%3.66%-1,062 bps
Asset Quality
Nonperforming Loans / Loans1.37%1.35%1.25%1.32%1.98%+61 bps
Net Charge-Offs / Loans0.11%0.07%0.05%0.01%0.01%-11 bps
Allowance / Loans1.03%1.05%1.01%1.04%1.02%-1 bps
Allowance Coverage of NPLs0.8x0.8x0.8x0.8x0.5x-0.2x
Capital
Tier 1 Leverage Ratio13.32%13.82%13.64%13.23%13.86%+54 bps
Total Risk-Based Capital18.74%18.16%17.74%17.54%17.06%-168 bps
Equity / Assets13.28%13.97%13.81%13.13%13.80%+52 bps
Liquidity & Funding
Loans / Deposits72.16%75.90%79.30%75.07%81.28%+912 bps
Liquid Assets / Assets25.03%26.00%23.78%26.96%22.16%-286 bps
CRE / Total Capitaln/a154.10%158.57%169.61%n/an/a

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Community Bank of Missouri

Richmond, MO · Cert 57141 · Peer group: banks under $1B in assets in the Kansas City, MO-KS area (n=39-40) · Missouri Bcorp Inc.

State charter, non-member · FDIC · 2 branches

Q2 2026

$94.1MAssets
$65.5MLoans
$80.6MDeposits
$13.0MEquity

Executive Summary

  • Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 4 of 40).
  • Widest gap: nonperforming loans / loans trails 90% of banks under $1B in assets in the Kansas City, MO-KS area (rank 36 of 39).
  • Overall: at or above the peer median on 7 of 9 directional measures.

Return on Assets

1.82%

Rank 12 of 40

Net Interest Margin

5.19%

Rank 4 of 40

Efficiency Ratio

56.93%

Rank 18 of 40

Equity / Assets

13.80%

Rank 7 of 40

Non-interest income vs. expense

$0.5M$3.0MINCOMEEXPENSE
Unfavorable gap of $2.6M · efficiency ratio beats 57% of banks under $1B in assets in the Kansas City, MO-KS area
Bank 56.93%Peer median 58.1%Q3 2024Q2 2026Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.82%1.02%1.39%1.86%Beats 70%12 / 40
Return on Equity13.17%10.74%14.78%21.32%Beats 30%28 / 40
Net Interest Margin5.19%3.33%4.05%4.63%Beats 90%4 / 40
Efficiency Ratio56.93%51.70%58.10%69.29%Beats 57%18 / 40
Asset Quality
Nonperforming Loans / Loans1.98%0.05%0.20%1.11%Beats 10%36 / 39
Net Charge-Offs / Loans0.00%n/a0.00%0.05%Beats 51%20 / 39
Capital
Tier 1 Capital Ratio16.21%11.32%12.27%16.94%Beats 73%11 / 40
Total Risk-Based Capital Ratio17.06%11.32%13.09%17.63%Beats 73%11 / 40
Equity / Assets13.80%8.41%10.10%12.34%Beats 83%7 / 40
Liquidity & Funding
Loans / Deposits81.28%73.50%85.60%94.85%48th pctl21 / 40
Loans / Assets69.58%62.75%69.87%79.23%48th pctl21 / 40
Brokered Deposits / Depositsn/aNot reported for this institution